San Pablo Creek Homes for Sale in Jacksonville, FL

Established 1988 · Intracoastal West · ZIP 32224

An established single-family community in Jacksonville's Intracoastal West (32224), late-1990s lake-and-cul-de-sac homes minutes from the beaches and the Town Center.

Intracoastal West (32224)Lakes and cul-de-sacsMinutes to the beaches

Live Market Pulse

71/100
Momentum

Seller's Market (limited data)

Tight supply keeps sellers in control, but dated interiors still trade at a discount, so condition is where buyers win.

Free · No obligation

Unlock Off-Market San Pablo Creek

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulserealMLS

$400K

Median Price

1.7mo

Supply

2days

Avg DOM

Strong

Seller Leverage

$261/sf

Median $/Sqft

n/a

1-Yr Price Change

0now

Distress

Jon's Current Read

"San Pablo Creek is an established single-family community in Jacksonville's Intracoastal West, off San Pablo Road between Beach and Atlantic Boulevards, built largely between 1993 and 2000 with brick-accented homes on lakes and cul-de-sacs (Frankel Realty Group, 2026). The read is convenient, mid-tier Duval value in a sought-after 32224 location minutes from the beaches, the St. Johns Town Center, and Mayo. The trade is parcel-level, condition on late-1990s homes, the lot (lake versus interior), the HOA dues, and the Duval tax bill."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

San Pablo Creek market snapshot (as of June 25, 2026): the median sale price is about $400K ($261 per sq ft), with homes averaging 2 days on market and 1.7 months of supply, a seller's market (limited data). Based on 7 recent closings in live realMLS data.

San Pablo Creek is an established single-family community in Jacksonville, Duval County, in the Intracoastal West area in the 32224 ZIP, off San Pablo Road between Beach Boulevard and Atlantic Boulevard (Frankel Realty Group, 2026).

Homes were built for the most part between 1993 and 2000, predominantly three-bedroom plans ranging from about 1,337 to 2,242 square feet and averaging near 1,683 square feet, with brick accents, lush landscaping, lakes, and cul-de-sac streets (Frankel Realty Group, 2026); confirm size and condition for any specific home.

The location is the draw: minutes from the Atlantic beaches, the St. Johns Town Center, Mayo Clinic, UNF, and the everyday shopping and restaurants of the Beach and Atlantic Boulevard corridors.

Because San Pablo Creek is an established late-1990s community, the buyer questions are parcel-level: condition and systems on the specific home, the lot (lake versus interior), the HOA dues, and the Duval County tax bill, rather than new-construction or amenity considerations.

A Look Inside San Pablo Creek

The course, the club, the gates.

Real aerial and on-site photos of San Pablo Creek. Swipe to explore the community and its amenities.

Swipe or use the arrows → tap any photo to enlarge

San Pablo Creek

Quick Match

Who San Pablo Creek is best for.

Best for

Buyers who want an established single-family home in the Intracoastal West minutes from the beaches
Move-up and right-size buyers who value a lake or cul-de-sac lot at a mid-tier price
Buyers who price late-1990s homes for condition

Probably not for

Buyers who want new construction with a builder warranty
Buyers who want oceanfront or an estate-tier home
Anyone unwilling to budget for condition on late-1990s stock

Market Pulse

How San Pablo Creek is performing right now

71/100
momentum

Seller's Market (limited data)

Seller's marketBalancedBuyer's market

1.7Months of supplytight

2Median days on marketdays

2 : 1Under contract vs for salestrong demand

7Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+31%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from realMLS, as of June 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current San Pablo Creek listings and the trailing twelve months of closed sales.

Where prices are goingn/a2026 YTD

Median sale price by year. Tap a label to compare Windsor Parke or Jacksonville. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square footn/a2026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now1 : 2active : pending

For sale1

Pending2

Sold 12mo7

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in San Pablo Creek buys, holds, and resells. See the five factors.

Homes For Sale Right Now in San Pablo Creek

Live MLS inventory for San Pablo Creek. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

2056 Merced Court home for sale in San Pablo Creek

Active · 2 daysTop listing

$535,000

3 bd · 2 ba · 1,572 sqft · built 1993

2056 Merced Court, Jacksonville, 32224

RenovatedBest valuePool

Listed by KELLER WILLIAMS ST JOHNS

13474 Las Brisas Way home for sale in San Pablo Creek

Pending · 14 days

$412,000

3 bd · 2 ba · 1,338 sqft · built 1999

13474 Las Brisas Way, Jacksonville, 32224

RenovatedBest value

Listed by COLDWELL BANKER VANGUARD REALTY

2020 Merced Court home for sale in San Pablo Creek

Pending · 39 days

$389,000

3 bd · 2 ba · 1,557 sqft · built 1993

2020 Merced Court, Jacksonville, 32224

Reno opportunityBest value

Listed by FORD REAL ESTATE CAPITAL LLC

Active and pending San Pablo Creek listings as of 2026-06-25, priced high to low. Source: Data provided by realMLS.. Tap any home to ask about it.

Interactive Map

San Pablo Creek on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Drive times from San Pablo Creek. They are approximate and vary with traffic and your exact start point.

Atlantic & Neptune Beaches~10 to 15 min · east via Atlantic Blvd

St. Johns Town Center~10 min · south via Kernan or JT Butler

Mayo Clinic Jacksonville~10 to 15 min · via San Pablo Rd

University of North Florida~10 min · south via Kernan Blvd

Interstate 295~5 to 10 min · via Beach or Atlantic Blvd

Downtown Jacksonville~20 to 25 min · west via Atlantic Blvd or JT Butler

Jacksonville Int'l Airport (JAX)~30 to 35 min · north via I-295

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near San Pablo Creek Homes for Sale in Jacksonville, FL with Momentum Realty’s local guides.

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Wolf Creek Homes for Sale in Jacksonville, FLJacksonville, FL · 0.3 mi

Oak Landing Homes for Sale in Intracoastal West, FLIntracoastal West, FL · 0.3 mi

Ibis Point Homes for Sale in Jacksonville, FLJacksonville, FL · 0.4 mi

Mira Vista at Harbortown Homes for Sale in Jacksonville, FLJacksonville, FL · 0.5 mi

Covenant Cove Homes for Sale in Jacksonville, FLJacksonville, FL · 0.6 mi

Pablo Bay Homes for Sale in Jacksonville, FLJacksonville, FL · 0.6 mi

Pablo Cove Homes for Sale in Jacksonville, FLJacksonville, FL · 0.8 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

San Pablo Creek (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Duval County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

San Pablo Creek is served by Duval County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any San Pablo Creek address.

The takeaway

What actually affects San Pablo Creek owners, sourced and dated. We do not publish rumor.

Recent Developments in San Pablo Creek

Development Intelligence

Our read on what is being built around San Pablo Creek, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThis is a built-out, established community, so the near-term factors are the durable Intracoastal West demand near the beaches, the HOA budget, and the Duval County millage on the tax bill, rather than any new construction in the community.

Sought-after Intracoastal West (32224) location

BullishAn established community minutes from the beaches, the Town Center, Mayo, and UNF supports durable demand and resale in a consistently popular 32224 location. impact

SignificanceRadius: Intracoastal West (32224)

Sought-after Intracoastal West (32224) location

Duval County millage and tax-bill assessments

NeutralProperty taxes here follow the Duval County (City of Jacksonville) millage; a recent sale can reset the assessed value, so read the actual bill for the parcel. impact

SignificanceRadius: Jacksonville / Duval County

Duval County millage and tax-bill assessments

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting San Pablo Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

2024
Taxes
Duval County millage and property assessments
Property taxes in Jacksonville are set by the Duval County (City of Jacksonville) millage and any non-ad-valorem line items, published by the Duval County Property Appraiser. Why it matters: Pull the actual parcel's tax bill and homestead status before you budget, confirm the San Pablo Creek HOA dues, and on a late-1990s home get an insurance quote that reflects roof age. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The San Pablo Creek buying strategy.

If we were buying in San Pablo Creek, this is the order of operations we would run, and the one we run for our clients.

Confirm the HOA dues and what they cover. Verify the current HOA figure, the inclusions, the reserve position, and any planned special assessments.

Inspect the systems and roof. On late-1990s homes, the roof age, HVAC, and systems drive the renovation budget and the insurance quote; inspect before you commit.

Confirm the lot type. Verify whether the home backs to a lake or sits interior, since the lake view drives the premium.

Read the actual Duval tax bill. Confirm the millage, homestead status, and any assessments for the parcel (Duval County Property Appraiser, 2024).

Confirm the exact school zoning. Verify the assigned Duval County Public Schools for the specific address with the district.

The Quick Decision

Best Buy

A well-kept lake-lot home with a newer roof and updated systems and the HOA dues confirmed, in a condition you have inspected.

Biggest Risk

Deferred maintenance on late-1990s homes and insurance cost tied to roof age.

Best Lot

Lake-backed and cul-de-sac lots carry the premium; standard interior lots are the value.

Smart Timing

San Pablo Creek is an established, built-out community; pricing tracks condition and the specific lot more than any community-wide trend.

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

San Pablo Creek is an established single-family community in Jacksonville, Duval County, in the Intracoastal West area in the 32224 ZIP, off San Pablo Road between Beach and Atlantic Boulevards (Frankel Realty Group, 2026). Homes were built largely between 1993 and 2000, predominantly three-bedroom plans from about 1,337 to 2,242 square feet (averaging near 1,683), with brick accents, lakes, and cul-de-sac streets, minutes from the beaches, the St. Johns Town Center, Mayo Clinic, and UNF. As an established late-1990s community, the central buyer questions are parcel-level: condition and systems on the specific home, the lot (lake versus interior), the HOA dues, and the Duval County tax bill.

San Pablo Creek Homes For Sale

What your money buys in San Pablo Creek.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in San Pablo Creek today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

Entry: original-condition interior homes

$376K to $400K

Original-condition interior-lot homes needing updates, the value end of San Pablo Creek. Inspect the roof and systems, confirm the HOA, and price the renovation before you write.

Lowest entry

Mid: updated homes on good lots

$400K to $440K

Updated three-bedroom homes on solid lots, the core of the community. Condition, lot, and updates separate these more than floor plan does.

Most inventory

High: larger or lake-backed homes

$440K to $490K

Larger homes or those backing to a lake set the community's ceiling. Size and the water view drive the premium; price each on its lot and condition.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$400K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

$376K to $400K

Entry: original-condition interior homes

Original-condition interior-lot homes needing updates, the value end of San Pablo Creek. Inspect the roof and systems, confirm the HOA, and price the renovation before you write.

$400K to $440K

Mid: updated homes on good lots

Updated three-bedroom homes on solid lots, the core of the community. Condition, lot, and updates separate these more than floor plan does.

$440K to $490K

High: larger or lake-backed homes

Larger homes or those backing to a lake set the community's ceiling. Size and the water view drive the premium; price each on its lot and condition.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in San Pablo Creek, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Updated homes ask about 30% more per square foot than original-condition homes, and they tend to sell faster. In an all-resale market, condition is the single biggest swing in value, which is why reading the renovation math is the whole game.

Asking price per square foot

Renovated$324

Original$250

Median days on market

Renovated8

Original39

From current San Pablo Creek listings (renovated 2, original 1); condition inferred from listing descriptions, asking not closed figures. The exact number depends on a specific home's updates, lot, and view, which is the read we do before you offer.

Operator Note

The trap here is a beautifully staged original-condition home. Staging is cheap; a roof, HVAC, and a full modernization are not. We price the real renovation before you fall for the listing photos, because in an all-resale market that number is the difference between a deal and the most expensive house on the street.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well San Pablo Creek holds value.

Our read on the factors that protect resale here, and the one to manage.

No CDD on the tax billStrong

Central Intracoastal West locationStrong

Scarce golf and lake homesitesStrong

$30M club reinvestment to 2028Positive

All-resale 1990s conditionManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in San Pablo Creek

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

San Pablo Creek sells established single-family living in the Intracoastal West minutes from the beaches and the Town Center. The location is the value; the work is condition, the lake-versus-interior lot, the HOA dues, and the Duval tax bill, not the brochure.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.4B+ · Buy Score

Resale Strength7.6/10

Renovation Risk6.4/10

Location Efficiency8.2/10

Long-Term Defensibility7.2/10

Carrying Cost Advantage7.2/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on San Pablo Creek is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.

15-Second Take

Lake-backed and cul-de-sac lots carry the premium here.
Standard interior lots are the value play.
Condition and the lot matter more than headline price; comp like-for-like.

In San Pablo Creek, the lot and condition drive price more than floor plan, because the homes are similar late-1990s designs. Lake-backed and cul-de-sac lots carry a premium, while standard interior lots are the value play for buyers planning updates. Because the homes are late-1990s stock, the roof age and systems and the resulting insurance cost move the true all-in cost, so inspect first, confirm the HOA, and comp a home against the closest same-condition Intracoastal West sale.

The 15-Second Verdict

San Pablo Creek in 15 seconds.

Best forBuyers who want an established single-family home in the Intracoastal West minutes from the beaches, with a lake or cul-de-sac lot.

Strong onA sought-after 32224 location near the beaches, the Town Center, Mayo, and UNF, with lakes and cul-de-sac streets.

WatchDeferred maintenance on late-1990s homes and insurance cost tied to roof age; inspect before you commit.

Not forBuyers who want new construction, oceanfront, or an estate-tier home.

The edgeAn established Intracoastal West address minutes from the beaches and the Town Center at a mid-tier price.

HOA, CDD & Fees

15-Second Take

There is an HOA; confirm the dues and what they cover.
Lake-backed lots carry the premium; price the lot type.
Budget the Duval tax bill and an insurance quote tied to roof age.

San Pablo Creek is an HOA community, so dues apply and typically fund the common areas, the lakes and entrance, and any shared landscaping. Confirm the current dues, what they cover, the reserve position, and any planned special assessments with the association before you rely on them.

HOA dues fund the common areas, the lakes and entrance, and shared landscaping; confirm the current inclusions and reserves with the association.

There is no golf or private club; this is a residential single-family HOA community. The lakes, the cul-de-sac streets, and the Intracoastal West location near the beaches are the draw.

Run Your Numbers

Tools for a San Pablo Creek buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxDuval County millage and the homestead picture.Rent vs buyThe breakeven on owning in San Pablo Creek.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in San Pablo Creek

Thinking of selling in San Pablo Creek?

Your buyer is cross-shopping established Intracoastal West communities near the beaches. Sell what is specific: the lake or interior lot, the home's updates and roof age, the HOA dues, and the location minutes from the beaches and the Town Center.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In San Pablo Creek, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Windsor Parke, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your San Pablo Creek home worth?

Get a no-obligation home value based on real comparable sales in San Pablo Creek matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in San Pablo Creek on the map →

Real comps, not a Zestimate.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Duval County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$1,609/mo

Duval County typical true cost to own

$110/mo

Duval County typical home insurance

Check CDD

Confirm before you offer

Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Duval County scorecard.

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

San Pablo Creek Market Scorecard

Strong seller's market

San Pablo Creek is currently a strong seller's market. About 1.7 months of supply, a median asking price of $535,000, and homes go under contract in about 3 days.

1.7

Months supply

$535,000

Median list

$400,000

Median sold

$340

Per sqft

Days on mkt

1/2/7

Active/Pend/Sold

Typical home value in the 32224 ZIP is $456,759, about 13.7% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is San Pablo Creek?

It is an established single-family community in Jacksonville, Duval County, in the Intracoastal West area in the 32224 ZIP, off San Pablo Road between Beach and Atlantic Boulevards (Frankel Realty Group, 2026).

When were the homes built?

Largely between 1993 and 2000, predominantly three-bedroom plans from about 1,337 to 2,242 square feet (Frankel Realty Group, 2026). Confirm the build year for any specific home.

What are the homes like?

Brick-accented single-family homes on lakes and cul-de-sac streets, mostly three-bedroom, averaging near 1,683 square feet (Frankel Realty Group, 2026).

Is San Pablo Creek the same as Pablo Creek Reserve?

No. Pablo Creek Reserve is a separate, newer luxury community; San Pablo Creek is a distinct established 1990s community off San Pablo Road in 32224.

Does San Pablo Creek have an HOA?

Yes. There is an HOA funding the common areas, lakes, and entrance. Confirm the current dues and inclusions with the association.

How far are the beaches?

The Atlantic and Neptune beaches are roughly a 10 to 15 minute drive east via Atlantic Boulevard, with the Town Center, Mayo, and UNF also close.

Are there lake-view homes?

Yes. The community has lakes, and lake-backed homesites carry a premium over interior lots.

What schools serve San Pablo Creek?

It is in Duval County Public Schools, with assignments by address. Verify the exact zoned schools for a specific home with the district before you rely on it.

What should I inspect before buying?

On a late-1990s home, inspect the roof age, HVAC, and systems, since these drive the renovation budget and the insurance quote.

What should I check on the parcel?

Confirm the HOA dues and inclusions, the lot type, the actual Duval tax bill and homestead status, and the exact school zoning.

How is the market here?

San Pablo Creek is an established, built-out community where pricing tracks condition and the specific lot more than any community-wide trend. Confirm current conditions for the exact home.

Is San Pablo Creek a good buy?

For an established Intracoastal West home minutes from the beaches it can be. The decision turns on the home's condition, the lot, the HOA dues, and the Duval tax bill, so verify those before you commit.

Who is the best real estate agent for San Pablo Creek Real Estate?

The best agent for San Pablo Creek Real Estate is one who actively works Jacksonville and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for San Pablo Creek Real Estate.

How do I find a top Jacksonville real estate agent who knows San Pablo Creek Real Estate?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows San Pablo Creek Real Estate and the wider Jacksonville area.

Can Momentum Realty connect me with an agent for San Pablo Creek Real Estate?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your San Pablo Creek Real Estate purchase or sale - no call center and no pressure.

The Verdict

Should you buy in San Pablo Creek?

An honest fit check. We will tell you when it is not your community.

You want an established single-family home in the Intracoastal West minutes from the beachesExcellent fit

You value a lake or cul-de-sac lot at a mid-tier priceExcellent fit

You will inspect late-1990s systems and confirm the HOA and school zoningExcellent fit

You want new construction with a builder warrantyProbably not

You want oceanfront or an estate-tier homeProbably not

You are not willing to budget for condition on late-1990s stockProbably not

Get the inside read on San Pablo Creek

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your San Pablo Creek home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty San Pablo Creek specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in San Pablo Creek - what to look for, questions to ask, and your local expert.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.

San Pablo Creek Homes for Sale in Jacksonville, FL

The 60-Second Overview

The course, the club, the gates.

Who San Pablo Creek is best for.

Best for

Probably not for

How San Pablo Creek is performing right now

Homes For Sale Right Now in San Pablo Creek

San Pablo Creek on the map.

How far is everything?

Nearby Communities

Schools

Recent Developments in San Pablo Creek

Sought-after Intracoastal West (32224) location

Duval County millage and tax-bill assessments

Duval County millage and property assessments

The San Pablo Creek buying strategy.

The full read, only if you want it.

What your money buys in San Pablo Creek.

What ~$400K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well San Pablo Creek holds value.

5 Mistakes Buyers Make in San Pablo Creek

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on San Pablo Creek is different.

Which Lots & Views Hold Value Best

San Pablo Creek in 15 seconds.

HOA, CDD & Fees

Tools for a San Pablo Creek buy.

Thinking of selling in San Pablo Creek?

In San Pablo Creek, condition and view decide your number

What is your San Pablo Creek home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

San Pablo Creek Market Scorecard

Frequently Asked Questions

Should you buy in San Pablo Creek?

Get the inside read on San Pablo Creek

You are all set.

Need to sell fast in Duval County?

You just read the data. Now see what your home is worth.